KEYSTONE SAVINGS BANK

KEYSTONE, IA | Small | Est. April 27, 1935, midnight | FDIC #17993 | RSSD #931944 | FDIC
Latest Report: 2025-12-31

KEYSTONE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in KEYSTONE, IA, established in April 27, 1935, midnight. As of 2025-12-31, the bank reported total assets of $195M and total deposits of $163M. Profitability stands at 0.38% ROA and 3.71% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 15.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.52% and a Texas Ratio of 8.06%. FDIC Certificate #17993.

Assets

$195M

Deposits

$163M

Loans

$119M

Equity

$21M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 3.71%
Net Interest Margin (NIM) 3.38%
Yield on Assets 5.34%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.52%
Net Charge-Off Ratio 0.01%
Texas Ratio 8.06%
NPA Ratio 0.92%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 15.88%
Tier 1 Capital 15.88%
Total Capital Ratio 16.88%
Leverage Ratio 11.40%
Loan-to-Deposit 72.70%

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